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Miriam is 43 years old and is in a common-law-marriage with her husband, with whom she has two children. They live in a small town in the municipality of Macuelizo, Santa Barbara. She has worked in commerce for six years, and sells cosmetics such as creams, makeup, and lotions, as well as clothing and shoes. She does this out of her house and also sells by order.

She has obtained four loans with the institution from which she now requests this current loan, for 25,000 HNL, which she will use to acquire clothing and shoes and to be able to have a larger inventory of products to offer her clients, and to make more profits.her plan is to grow her business in order to provide her children with a better life.
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Miriam, tiene 43 años de edad, vive en unión libre con su conyugue con quien tiene dos hijos y reside en una aldea del municipio de Macuelizo, Santa Bárbara. Lleva 6 años de dedicarse al comercio, vender cosméticos como ser cremas, maquillaje, lociones, y también ropa y zapatos. Esta actividad la realiza en su casa y vende por pedidos también. Ha obtenido 4 prestamos con la institución con este actual que solicita el cual es por 25,000 Lempiras, que los utilizara para surtir de ropa y zapatos y poder tener mayor inventario que ofrecer a los clientes y obtener mas ganancias. Su plan es crecer como comerciante para darles una mejor vida a sus hijos.

Additional Information

About Organización de Desarrollo Empresarial Femenino Financiera, S.A.

This loan is administered by Organización de Desarrollo Empresarial Femenino Financiera, S.A. (ODEF), a Kiva Field Partner in Honduras. A leader in the microfinance sector since 1985, ODEF strives to combat poverty by offering a wide array of financial services to low-income men and women. The organization works with its parent NGO, ODEF OPD, to provide training and technical assistance to impoverished microentrepreneurs. By incorporating the entire family unit in this process, ODEF OPD aims to improve the standard of living through the creation of profitable enterprises. Visit ODEF’s partner page for more information.


About Honduras

  • $4,800
    Average annual income
  • 88
    View loans »
    Honduras Loans Fundraising
  • $8,845,600
    Funds lent in using Kiva
  • 20.5
    Honduras Lempiras (HNL) = $1 USD
A loan of $1,225 helped Miriam to buy clothes and shoes to sell.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 4, 2013
Oct 5, 2013
Currency Exchange Loss:
Nov 4, 2013